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1. 发明申请

US20230134999A1 NETWORK-BASED CALCULATION OF AFFINITY SCORE FROM TRANSACTION DATA 有权
公开(公告)号：US20230134999A1
公开(公告)日：2023-05-04
申请号：US17915420
申请日：2020-06-18
申请人： Visa Europe Limited
发明人： Hyeonmin NA , Paul ROLLINGS
IPC分类号： G06Q30/0201 , G06F17/16
摘要： Disclosed herein is a computer-implemented method for calculating an affinity score for an entity in one or more transactions of a plurality of transactions, each transaction involving the transfer of an asset from an associated sending entity to an associated receiving entity. The method comprises receiving data identifying a seed receiving entity, querying transaction data for the plurality of transactions to identify a set of sending entities based on each sending entity in the set of sending entities having been the sending entity in at least one transaction with the seed receiving entity, querying the transaction data to identify transactions having a ending entity in the set of sending entities, and determining a set of receiving entities based on the transactions having the sending entity in the set of sending entities. In this way, a set of sending entities and a set of receiving entities and associated transactions are identified. The method then proceeds by assigning the set of sending entities and the set of receiving entities as nodes in a network and transactions as links in the network, wherein a link corresponding to a transaction connects the sending entity for the transaction with the receiving entity for the transaction. An eigenvector centrality value calculation can then be performed for a node corresponding to a subject receiving entity of the set of receiving entities, and an affinity score determined for the subject receiving entity using the eigenvector centrality value, whereby the affinity score provides a measure of affinity between the subject receiving entity and the seed receiving entity.

2. 发明授权

US11275821B2 Enabling access to data 有权
公开(公告)号：US11275821B2
公开(公告)日：2022-03-15
申请号：US16575795
申请日：2019-09-19
申请人： Visa Europe Limited
发明人： Boris Taratine
IPC分类号： H04L29/06 , G06F21/35 , H04W4/80 , H04W12/04 , H04W12/08 , G06F21/43 , G06F21/72 , H04L9/32 , H04L9/12 , H04W12/63
摘要： Systems, methods and apparatus for enabling access to secure data. A first module is arranged to generate a limited use passcode and make the passcode available to a user. A second module and a third module are arranged to communicate whereby to enable detection of the third module being in proximity to the second module. A fourth module is arranged to receive a passcode via user input. The apparatus is arranged to enable access to secure data in dependence on the fourth module receiving a valid passcode generated by the first module and the third module being in proximity to the second module.

3. 发明申请

US20220005010A1 Payment Device 有权
公开(公告)号：US20220005010A1
公开(公告)日：2022-01-06
申请号：US17475735
申请日：2021-09-15
申请人： Visa Europe Limited
发明人： Omar Rifaat , David Wilson
IPC分类号： G06Q20/20 , G06Q20/34 , G06Q20/04 , G06Q20/32 , G07F7/10
摘要： A program for running on a processor of a portable payment device is adapted for carrying out a payment interaction and permitting ticket storage in a memory of the portable payment device. The program is configured to interact with an access point and includes a set of instructions, a first code portion and a second code portion. The set of instructions, when executed by the processor, causes the portable payment device to perform the steps of: responsive to a first message from said access point, executing the first code portion; and responsive to a second message from the access point, executing the second code portion. The first code portion includes first instructions corresponding to the payment interaction. The second code portion includes instructions corresponding to the payment interaction and second instructions corresponding to the ticket interaction.

4. 发明授权

US10810315B2 Enabling access to data 有权
公开(公告)号：US10810315B2
公开(公告)日：2020-10-20
申请号：US16163437
申请日：2018-10-17
申请人： Visa Europe Limited
发明人： Boris Taratine , Malcolm Lewis
IPC分类号： H04L9/32 , G06F16/25 , G06F21/60 , G06F16/22 , H04L9/08
摘要： Methods, systems, apparatus and computer programs for enabling access to data by a requesting party. A plurality of sets of data are generated. A one one-way function is then used to generate a plurality of keys each associated with a respective one of the plurality of sets. Information associated with the data in a given set is used as an input to the one-way function when generating the key for that set. The keys are distributed to requesting parties. Subsequently, a requesting party may make a data access request using the received key. Upon receipt of a key, access may be enabled to the data. The requesting party may then generate validation data from information associated with at least a part of the received data and validating the received data by comparing the validation data to data derived from the received key.

5. 发明申请

US20200273020A1 EXTENDED DATA STORAGE 审中-公开
公开(公告)号：US20200273020A1
公开(公告)日：2020-08-27
申请号：US16871187
申请日：2020-05-11
申请人： Visa Europe Limited
发明人： Nicolas David Mackie , Stuart Fiske
IPC分类号： G06Q20/34
摘要： Methods and apparatuses are provided for configuring and using a contactless application on a chip within a portable device comprising input/output connections arranged to communicate with other devices via a contact connection and via a contactless connection. One such method comprises a first process and a second process. The first process comprises receiving, at the chip and from a first other device, a set of computer instructions, to be executed by the chip, to create a contactless application in a data store of the chip and initialise at least one file associated with the contactless application. The second process comprises executing, by the chip of the portable device, the contactless application, to transmit data to a second other device.

6. 发明申请

US20200226564A1 PAYMENT SYSTEM 审中-公开
公开(公告)号：US20200226564A1
公开(公告)日：2020-07-16
申请号：US16687128
申请日：2019-11-18
申请人： Visa Europe Limited
发明人： Peter Winfield-Chislett , Westley Stringfellow , Itamar Lesuisse , Veronica Casabonne , Raymond Tamblyn
IPC分类号： G06Q20/12 , G06Q30/06 , G06Q20/02 , G06Q20/40 , G06Q20/22 , G06F21/31
摘要： Embodiments of the invention provide a method of processing payment authorization requests for payment transactions to be conducted via a data communications network; the payment authorization requests are conducted as a result of orders by financial account holders via a plurality of different online merchant systems, and the financial account holders hold accounts with a plurality of different issuing banks. These embodiments of the invention provide a means of identifying an issuing bank from a plurality of issuing banks as one which is to be utilized in a given transaction and facilitate a user specifying, in real time in relation to the given transaction, a particular bank account that is to be used to deduct funds for that transaction.

7. 发明申请

US20190190902A1 METHOD AND SYSTEM FOR CREATING A UNIQUE IDENTIFIER 审中-公开
公开(公告)号：US20190190902A1
公开(公告)日：2019-06-20
申请号：US16283459
申请日：2019-02-22
申请人： Visa Europe Limited
发明人： Paul Michael Carpenter , Jonathan Paul Sumpster , Andrew Paul Thompson , Christopher Ian Abrathat , Jonathan Rusca , Jean-Christophe Gilbert Lacour , Michael Ronald Philpotts
IPC分类号： H04L29/06 , G06Q20/40 , G06F21/31
CPC分类号： H04L63/08 , G06F21/31 , G06Q20/4014
摘要： Method and apparatus for creating a second unique identifier for a user in a second system based on a first unique identifier for a user in a first system. A first authentication process is initiated based on a first unique identifier associated with the user in the first system. Responsive to the user successfully authenticating during the first authentication process, the second unique identifier for a user in the second system is generated. The second unique identifier is based on user data associated with the first unique identifier in the first system, and the second unique identifier is different from the first unique identifier.

8. 发明授权

US10282541B2 Method and system for verifying an access request 有权
公开(公告)号：US10282541B2
公开(公告)日：2019-05-07
申请号：US14639850
申请日：2015-03-05
申请人： VISA EUROPE LIMITED
发明人： Boris Taratine , Matthew Johnson , Simon Peter Rust , Andrew Warren Rounds
IPC分类号： H04L9/00 , G06F21/00 , G06F21/45 , H04L29/06 , G06F21/34 , G06F21/72 , G06Q20/30 , G06F21/31 , G06F21/62
摘要： A system for verifying a request for access to data is provided, the system comprising a first module 20 and a second module 30. The first module 20 is arranged to generate a password, and the second module 30 is arranged to receive a password associated with a request for data, validate the received password, and enable access to the requested data. The system is such that the first and second modules 20, 30 share a secret that has been uniquely assigned thereto, the shared secret being for use in generation and validation of a said password. Furthermore, the first module 20 is communicatively disconnected from the second module 30.

9. 发明授权

US10133872B2 Enabling access to data 有权
公开(公告)号：US10133872B2
公开(公告)日：2018-11-20
申请号：US15047496
申请日：2016-02-18
申请人： VISA EUROPE LIMITED
发明人： Boris Taratine , Malcolm Lewis
IPC分类号： G06F17/30 , G06F21/60 , H04L9/08 , H04L9/32
摘要： Methods, systems, apparatus and computer programs for enabling access to data by a requesting party. A plurality of sets of data are generated. A one one-way function is then used to generate a plurality of keys each associated with a respective one of the plurality of sets. Information associated with the data in a given set is used as an input to the one-way function when generating the key for that set. The keys are distributed to requesting parties. Subsequently, a requesting party may make a data access request using the received key. Upon receipt of a key, access may be enabled to the data. The requesting party may then generate validation data from information associated with at least a part of the received data and validating the received data by comparing the validation data to data derived from the received key.

10. 发明申请

US20180047019A1 METHOD OF RETAINING TRANSACTION CONTEXT 审中-公开
公开(公告)号：US20180047019A1
公开(公告)日：2018-02-15
申请号：US15791146
申请日：2017-10-23
申请人： VISA EUROPE LIMITED
发明人： Brian SULLIVAN , David WILSON , David HARBIGE
IPC分类号： G06Q20/38 , G06Q20/40
CPC分类号： G06Q20/3821 , G06Q20/38215 , G06Q20/3829 , G06Q20/389 , G06Q20/40 , G06Q20/4018 , G06Q20/409
摘要： Methods of transaction authentication are provided. In one such method, at least one first transaction has been conducted, the or each first transaction generating data including first data comprising authentication data and second data identifying the or each first transaction, wherein a given first transaction is between a merchant and a card holder. A cryptographically signed and/or encrypted token corresponding to the given first transaction and comprising a characteristic of the first transaction has been generated using at least said second data. The cryptographically signed and/or encrypted token has been transmitted to the merchant. The method comprises receiving, from the merchant, data corresponding to a second transaction and in the event that the data corresponding to the second transaction includes the cryptographically signed and/or encrypted token, responsively authenticating the cryptographically signed and/or encrypted token, whereby to determine an authenticated association between the second transaction and a given first transaction.

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